Best Cheap Auto Insurance in Miami Beach, FL (2021)

The average Miami Beach, FL auto insurance rates are $526 per month. The minimum auto insurance in Miami Beach is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Miami Beach, Florida, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Miami Beach, FL for senior drivers are $3,818 per year
  • The average commute length in Miami Beach is 27.0 minutes
  • The most expensive auto insurance company in Miami Beach for teen drivers is Allstate

Miami Beach, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Miami Beach can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Miami Beach, Florida, including driving record, credit, commute time, and more.

Compare auto insurance in Miami Beach to other Florida cities, including Tallahassee auto insurance rates, Fort Lauderdale auto insurance rates, and Hialeah auto insurance rates to see how Miami Beach, Florida auto insurance rates stack up.

Before you buy Miami Beach, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Miami Beach, Florida auto insurance quotes.

Minimum Auto Insurance in Miami Beach, Florida

Miami Beach, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Miami Beach, Florida.

Minimum Required Auto Insurance Coverage in Miami Beach, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Miami Beach, Florida Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Miami Beach, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Miami Beach, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,897 $5,511 $5,059 $5,076 $19,686 $20,944 $5,710 $5,712
GEICO $4,116 $4,143 $3,842 $3,842 $7,433 $9,429 $4,554 $4,651
Liberty Mutual $5,252 $5,252 $4,800 $4,800 $11,262 $17,426 $5,252 $7,167
Nationwide $4,473 $4,415 $3,958 $4,117 $10,798 $13,357 $4,932 $5,141
Progressive $4,676 $4,421 $3,970 $4,263 $13,201 $14,364 $5,704 $5,436
State Farm $2,918 $2,918 $2,627 $2,627 $8,063 $10,227 $3,243 $3,442
USAA $2,421 $2,391 $2,236 $2,238 $8,259 $9,667 $3,065 $3,342

Cheap Miami Beach, Florida Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Miami Beach, Florida is a challenge. Take a look at the annual teen auto insurance rates in Miami Beach, Florida.

Annual Auto Insurance Rates for Teen Drivers in Miami Beach, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $19,686 $20,944
GEICO $7,433 $9,429
Liberty Mutual $11,262 $17,426
Nationwide $10,798 $13,357
Progressive $13,201 $14,364
State Farm $8,063 $10,227
USAA $8,259 $9,667

Cheap Miami Beach, Florida Auto Insurance for Seniors

What are senior auto insurance rates in Miami Beach, Florida? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Miami Beach, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,059 $5,076
GEICO $3,842 $3,842
Liberty Mutual $4,800 $4,800
Nationwide $3,958 $4,117
Progressive $3,970 $4,263
State Farm $2,627 $2,627
USAA $2,236 $2,238

Cheap Miami Beach, Florida Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Miami Beach, Florida compared to the annual auto insurance rates with a clean record in Miami Beach, Florida.

Annual Miami Beach, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,939 $9,558 $10,506 $8,795
GEICO $3,654 $4,674 $6,962 $5,714
Liberty Mutual $5,542 $7,175 $10,352 $7,535
Nationwide $5,461 $5,999 $8,070 $6,065
Progressive $5,504 $8,195 $6,889 $7,430
State Farm $4,117 $4,899 $4,508 $4,508
USAA $3,315 $4,063 $5,961 $3,470

Cheap Miami Beach, Florida Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Miami Beach, Florida is not easy. Compare the annual rates for DUI auto insurance in Miami Beach, Florida to find the best deal.

Annual Auto Insurance Rates After a DUI in Miami Beach, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,506
GEICO $6,962
Liberty Mutual $10,352
Nationwide $8,070
Progressive $6,889
State Farm $4,508
USAA $5,961

Cheap Miami Beach, Florida Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Miami Beach, Florida annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Miami Beach, Florida

Insurance Company Poor Fair Good
Allstate $12,945 $8,122 $6,531
GEICO $7,660 $4,626 $3,467
Liberty Mutual $9,899 $7,225 $5,830
Nationwide $8,097 $5,846 $5,253
Progressive $9,138 $6,492 $5,382
State Farm $6,186 $4,037 $3,301
USAA $6,885 $3,322 $2,400

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Cheap Miami Beach, Florida Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Miami Beach, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Miami Beach, Florida to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Miami Beach, Florida

ZIP Code Average Annual Rates
33140 $4,830
33141 $4,845

Cheap Miami Beach, Florida Auto Insurance Rates By Commute

Commute length and annual mileage affect Miami Beach, Florida auto insurance. Find the cheapest annual Miami Beach, Florida auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Miami Beach, Florida

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,936 $9,463
GEICO $5,224 $5,278
Liberty Mutual $7,399 $7,903
Nationwide $6,399 $6,399
Progressive $7,004 $7,004
State Farm $4,344 $4,672
USAA $4,154 $4,251

Cheap Miami Beach, Florida Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Miami Beach, Florida? Check out the comparison of annual Miami Beach, Florida auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Miami Beach, Florida

Insurance Company Low Medium High
Allstate $7,354 $9,616 $10,627
GEICO $4,443 $5,420 $5,891
Liberty Mutual $7,079 $7,852 $8,022
Nationwide $5,123 $6,639 $7,434
Progressive $5,966 $7,154 $7,893
State Farm $3,930 $4,601 $4,992
USAA $3,607 $4,359 $4,640

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Best By Category: Cheapest Auto Insurance in Miami Beach, Florida

Compare the cheapest auto insurance companies in Miami Beach, Florida in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Miami Beach, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Miami Beach, Florida Auto Insurance Companies

What auto insurance companies in Miami Beach, Florida are the cheapest? Compare the top Miami Beach, Florida auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Miami Beach, Florida

Insurance Company Average Annual Rates
Allstate $9,199
GEICO $5,251
Liberty Mutual $7,651
Nationwide $6,399
Progressive $7,004
State Farm $4,508
USAA $4,202

What affects auto insurance rates in Miami Beach, Florida?

There are a lot of reasons why auto insurance rates in Miami Beach, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Miami Beach, Florida. Many local factors may affect your Miami Beach auto insurance rates.

Miami Beach Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Miami Beach, Florida auto theft statistics, there have been 399 auto thefts in the city.

Miami Beach Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Miami Beach, Florida commute length is 27.0 minutes according to City-Data.

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Compare Miami Beach, Florida Auto Insurance Quotes

Before you buy Miami Beach, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Miami Beach, Florida auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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